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Deborah Lumsden from Palm Bay, FL

Age 59
📍 715 Everglade Ave, Palm Bay, FL 32909
📞 (631) 665-8057, (631) 399-4133, (321) 956-6947, (321) 984-0981, (631) 255-1898, (631) 665-8057, (407) 724-9567
✉️ debznips@aol.com, debznips@juno.com, debznips@yahoo.com
👨‍👩‍👧 Relatives: Deborah M Lumsden,Meghan E Lumsden,William John Lumsden,Debbie Lumsden,Chris Lumsden,Kristen R Lumsden

Deborah Lumsden

Age 75 b. 1950-07-06
📍 901 Ne 3rd St Apt 104, Ft Lauderdale Fl
📞 (954) 527-9391, (954) 696-2389
✉️ DEBORAHLUMSDEN@ATT.NET, deborahlumsden@att.net

Ms Deborah Jo Lumsden from Fort Lauderdale, FL

Age 68 b. 4/11/1957
📍 5720 Ne 22nd Way, Apt 410, #fort Lauderdale, FL 33308-2677
✉️ rmartinez-alvarez@yahoo.com
👨‍👩‍👧 Relatives: Rafael M Alvarez,Rafael P Martinez,Rafael Martinez-Alvarez 3rd,Corina M Alvarez,Francisco J Martinez,Gonzalo Jose Alvarez,Maria Alvarez Alvarez,Rocio D Martinez,Alexander Emerito Pujol,Alina A Wadskier,Analia Alvarez,Christina M Pujol,Christina C Sauve,Christopher J Cadahia,Corina B Alvarez,Cristina T Alvarez,Daniel Agustin Albisu,Edward A Quinones,Elena B Doyle,Emerito Pujol Leon,Emerito A Pujol Jr,Emerito Pujol,Emerito Pujol,Emilio R Dr Biosca,Enrique P Hernandez,Fernando A Wadskier,Frank Cadahia Jr,Frank A Cadahia,Gary Keith Mccall,Gonzalo A Wadskier,Gussie D Simmons,Jenniffer Loraine Quiel,Joel A Doyle,Jose Manuel Quinon,Kristy Ann Martinez,Liana Marie Alvarez,Lisette M Biosca,Maria E Alvarez,Maria C Biosca,Maria Elena Martinez,Maria C Spriegel,Michael A Heape,Osbel Fernandez,Pamela Cecil Amador,Patricia Maria Albisu,Robert Simmons Jr,Sergio M Amador,Shannon Lee Bain,Sonia Granados,Viviana A Martinez
🕐 15 previous addresses

Deborah Lumsden

Age 71 b. 1955-02-23
📍 199 Biggs East Hwy, Biggs Ca
📞 (530) 370-0749, (530) 531-5371
✉️ LUCKY1414@ATT.NET

Deborah F Lumsden from Scottsdale, AZ

Age 67
📍 10843 N 109th Way, #scottsdale, AZ 85259-3933
👨‍👩‍👧 Relatives: Carole I Lumsden,Christopher Lee Frazier,James Llewellyn Ml Lumsden,Kathrine M Teschner,Kristine Irene Garrison,Norman R Frazier,Peggy A Costello,Toby E Frazier,Tracy Adam Frazier,Aubrey J Harris,Charles R Costello Jr,Christina L Svien,Christophe L Frazier,Christopher Gene Harris,Cynthia J Costello,Danny L Garrison,Frank Joseph Winters,Gail J Hillgamyer,Harvey E Frazier,Howard M Lumsden,Kathrine Teschner,Kathrine M Teschner,Katy Lumsden,Kris Garrison,Ladonn M Pratt,Ladonn M Pratt,May M Hillgamyer,Mike Ray Harris,Mike W Teschner,Nathan Rt Harris,Nathan Harris,Nathan M Harris,Nathan Hatris,Patricia G Harris,Richard D Frazier,Ricky J Winters,Robert Timothy Hill,Robert Lee Hillgamyer,Romley D Frazier,Ronald T Harris,Shelli R Lumsden,Shirley W Frazier,Shirley K Lumsden,Tara J Frazier,Teddi Louise Frazier,Thomas P Kelly,Vanessa J Harris
🕐 2 previous addresses

Deborah L Lumsden from Imlay City, MI

Age 64 b. 6/1/1961
📍 2673 S Van Dyke Rd, #imlay City, MI 48444-9730
👨‍👩‍👧 Relatives: Andrea Marie Hether,Betty L Penn,Colette M Lumsden,Deborah L Hether,Deborah L Penn,Donald O Hether,Glenn M Lumsden,Glenn M Lumsden,Irene C Lumsden,Jeff M Lumsden,Jeffrey Scott Hether,Kelly L Hendrix,Margaret H Hether,Mollie J Carroll,Robert T Penn,Terrell R Penn,Tyler O Hether,Aaron E Lumsden,Alycia M Hether,B P Hether,Brenda R Penn,Brenda Tenn,Cheryl Ann Black,Daniel B Carroll,Danielle E Smith,Deborah Ann Black,Deborah Penn,Diamond S Penn,Donald Hether,Donald O Hether,Donte M Penn,Elmer G Lumsden,Erika J Penn,Esther Penn,Glenn Lumsden,Herman S Black,Jennifer K Drake,Katherine L Penn,Kathy P Hendrix,Ralph V Hendrix Jr,Ralph Vaughn Hendrix Sr,Richard L Penn,Robert J Penn Jr,Robert J Penn,Shante M Penn,Tamara A Penn,Taylor H Carroll,Tyler Hether,Ursula Penn,Valerie C Penn
🕐 13 previous addresses

Deborah Lumsden from Biggs, CA

Age 65 b. 1961 Female
📍 199 Biggs East Hwy
💼 1501
📞 (916) 868-1560 (Cell), (530) 868-1939

Deborah Lumsden from Richmond, VA

Age 72 b. 1954 Chesterfield Co.
📍 11202 Lady Slipper Ln
📞 (804) 379-0009

Deborah Lumsden from Irwin, PA

Age 73 b. Feb 1953 Westmoreland Co.
📍 4030 Colfax St
📞 (724) 527-3954

Deborah Lumsden from Bay Shore, NY

Female
📍 121 S Clinton Ave
📞 (631) 404-9721 (AT&T MOBILITY)

Deborah Lumsden from Lisle, IL

Age 61 b. 1965 Dupage Co.
📍 6010 Oakwood Dr Apt 4g

Deborah Lumsden from Fort Dodge, IA

Age 74 b. 1952 Webster Co.
📍 Po Box 362

Deborah Lumsden from Everett, WA

Age 75 b. Feb 1951 Snohomish Co.
📍 6322 97th Dr Ne

Deborah Lumsden from Willoughby, OH

Lake Co.
📍 37010 Stclair
📞 (816) 532-0246
👤 aka Deborah Lumsoen, Deborah Lumsden Ciarlillo, Deborah Ciarlillo

Deborah Lumsden from Shirley, NY

Suffolk Co.
📍 18 Mastic Bl

Deborah Lumsden from Irwin, PA

Westmoreland Co.
📍 10 Po Box 138

Deborah Lumsden from Scottsdale, AZ

Maricopa Co.
📍 5861 E Voltaire Ave

Deborah Lumsden from Detroit, MI

Wayne Co.
📍 3663 Sorrento St

Deborah Lumsden from Tacoma, WA

Pierce Co.
📍 404 115th St S

Deborah Lumsden from Palm Bay, FL

Brevard Co.
📍 715 Everglade Ave

Deborah Lumsden

📍 10 Irwin Pa Po Box 138

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 22 contact records for Deborah Lumsden across 11 states. The most recent address on file is in Biggs, California. Of these records, 10 include phone numbers and 4 include email addresses. The listed age is 59. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Lumsden,deborah J

Broward County
PIN: 494212AG0700
· 5720 NE 22 Way, Fort Lauderdale 33308
Value: $55,870

Lumsden,deborah

Broward County
PIN: 504202AQ0040
· 901 NE 3 St #104, Fort Lauderdale
Built: 1975.0
Assessed: $125,210

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 2 property records linked to Deborah Lumsden. Values shown are from county assessor records and may differ from current market prices.

Deborah S Lumsden

Republican Reg: 03/26/1992
8238 Gina Dr, N Huntingdon, PA, 15642
DOB: 02/17/1953 Gender: Female

Deborah Ciarlillo Lumsden

901 NE 3RD St, Ft Lauderdale, , 33301

Deborah Ann Lumsden

NAV Reg: 7/2/2016
85040 Dog Lake Ln, Lakeview, OR, 97630
DOB: 1/1/1955
County: Lake

Deborah S Lumsden

8238 Gina Dr
DOB: 02/17/1953 Gender: Female

Deborah R Lumsden

Reg: 08/15/1992
12903 74th Ave, Puyallup, WA, 98373
DOB: 12/22/1950 Gender: Female
County: PI

Deborah S Lumsden

Reg: 02/11/1992
6322 97th Dr, Lake Stevens, WA, 98258
DOB: 02/05/1951 Gender: Female
County: SN

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Deborah Lumsden in Pennsylvania, , Oregon and 1 other state. Records show affiliations with R, NAV, which may reflect different individuals or changes over time. 4 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2006 Honda Element
· Registered to: Deborah Lumsden
· VIN: 5J6YH28716L021594
·
830 Middle St, Ft Lauderdale, FL, 33312
·
(954) 527-9391
2010 Honda Element
· Registered to: Deborah Lumsden
· VIN: 5J6YH1H7XAL006093
·
830 Middle St, Ft Lauderdale, FL, 33312-7107
·
(954) 527-9391
2017 NISSAN NV200
· Registered to: Deborah Lumsden
· VIN: 3N6CM0KN3HK719545
·
901 NE 3rd St Unit 104, Fort Lauderdale, FL, 33301
·
(954) 527-9391
2013 Kia Forte Koup
· Registered to: Deborah Lumsden
· VIN: KNAFU6A2XD5679539
·
1396 Notre Dame Dr, Lemont, IL, 60439
·
(630) 243-1620

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 4 vehicle registration records are associated with Deborah Lumsden. Registered makes include Honda, Nissan, Kia. The most recent model year on record is 2017. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Deborah Lumsden

Accounts Manager
Roger Lugg & Co
Tonbridge, Kent, United Kingdom Management Consulting
LinkedIn

Deborah Lumsden

United States

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 3 business affiliations were found for Deborah Lumsden. Companies include Roger Lugg & Co. Records are compiled from state business registries, SEC filings, and professional networking databases.

Deborah Lumsden

Fort Dodge High School - Fort Dodge, IA, IA
1971

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Deborah Lumsden has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

MP

Deborah L Lumsden

Age 63 Female
·
20219 Eagle Cove Ct, S Chesterfld, VA 23803 (Petersburg City County)
37.2309, -77.5371
· (804) 835-9772
Marital: Married TZ: Eastern
Edu: Some College
Homeowner Single Family Built 1990 Purchased 2011
MP

Deborah S Lumsden

Age 64 Female
·
4030 Colfax St, Irwin, PA 15642 (Westmoreland County)
40.3290, -79.7213
· (724) 515-7536
Marital: Married TZ: Eastern
MP

Deborah A Lumsden

Age 55 Female
·
199 Biggs East Hwy, Biggs, CA 95917 (Butte County)
39.4151, -121.6790
Marital: Married TZ: Pacific
Occ: Service Industry
Homeowner Single Family Built 1991 Purchased 1986
MP

Deborah M Lumsden

Age 62 Female
·
715 Everglade Ave SE, Palm Bay, FL 32909 (Brevard County)
27.9810, -80.6543
· (321) 427-0452
Marital: Married TZ: Eastern
Homeowner Single Family Built 1981 Purchased 1992
MP

Deborah R Lumsden

Age 66 Female
·
12903 74th Ave E, Puyallup, WA 98373 (Pierce County)
47.1398, -122.3310
Marital: Married TZ: Pacific
Homeowner Multi-Family Built 1973
MP

Deborah J Lumsden

Female
·
5720 NE 22nd Way, Ft Lauderdale, FL 33308 (Broward County)
26.1988, -80.1120
TZ: Eastern
Homeowner Multi-Family Built 1970 Purchased 1992
MP

Deborah M Lumsden

Age 51 Female
·
1396 Notre Dame Dr, Lemont, IL 60439 (Cook County)
41.6587, -87.9798
· (630) 243-1620
Marital: Married TZ: Central
Occ: Healthcare Edu: Some College
Homeowner Single Family Built 1998 Purchased 1998
MP

Deborah Lumsden

Age 67 Female
·
901 NE 3rd St, Ft Lauderdale, FL 33301 (Broward County)
26.1254, -80.1343
· (954) 527-9391
Marital: Single TZ: Eastern
Edu: High School
Homeowner Multi-Family Built 1975 Purchased 2005

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Deborah Lumsden. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Note: PPP loans shown are for businesses with addresses associated with Deborah Lumsden. These loans were issued to businesses, not individuals.

Jose Bernardi

Sole Proprietorship

$20,833 Paid in Full
Address:
3660 NE 166th St Apt 309
North Miami Beach, FL33160-3859
Approved

Apr 2, 2021

Forgiven

$20,936

Jobs Reported

1

Loan #

5159758705

Loan Size

Small

Josue Vasquez

Sole Proprietorship

$20,833 Exemption 4
Address:
3660 NE 166th St
Miami, FL33160-3880
Approved

Feb 10, 2021

Jobs Reported

1

Loan #

6204288406

Loan Size

Small

Mario Mata

Independent Contractors

$6,692 Paid in Full
Address:
3660 NE 166th St apt 108
North Miami Beach, FL33160
Approved

May 18, 2020

Forgiven

$6,758

Jobs Reported

1

Loan #

8386627404

Loan Size

Small

Jose Bernardi

Sole Proprietorship

$20,833 Paid in Full
Address:
3660 NE 166th St Apt 309
North Miami Beach, FL33160-3859
Approved

Apr 23, 2021

Forgiven

$20,924

Jobs Reported

1

Loan #

9619968807

Loan Size

Small

Anamanu Cleaning Services CORP

Corporation

$14,000 Paid in Full
Address:
3660 NE 166th St
N Miami Beach, FL33160-3820
Approved

May 1, 2020

Jobs Reported

2

Loan #

6745407706

Loan Size

Small

Maryse Veronica Jean-Louis LLC

Limited Liability Company(LLC

$10,000 Paid in Full
Address:
3660 NE 166th St Apt 703
North Miami Beach, FL33160-3862
Approved

Jan 25, 2021

Forgiven

$10,067

Jobs Reported

1

Loan #

5736558302

Loan Size

Small

Hailey Pedrera

Independent Contractors

$5,937 Paid in Full
Address:
3660 NE 166th St
North Miami Beach, FL33160-3880
Approved

Apr 2, 2021

Forgiven

$5,989

Jobs Reported

1

Loan #

5046108702

Loan Size

Small

Renee Avant

Sole Proprietorship

$20,294 Paid in Full
Address:
3660 NE 166th St
North Miami Beach, FL33160-3880
Approved

Feb 27, 2021

Forgiven

$20,376

Jobs Reported

1

Loan #

5435888510

Loan Size

Small

Hailey Pedrera

Independent Contractors

$5,937 Paid in Full
Address:
3660 NE 166th St
North Miami Beach, FL33160-3880
Approved

Apr 30, 2021

Forgiven

$5,994

Jobs Reported

1

Loan #

5670938904

Loan Size

Small

Miriam Perera

Sole Proprietorship

$20,833 Exemption 4
Address:
3660 NE 166th St Apt 404
Miami, FL33160-3820
Approved

Mar 20, 2021

Jobs Reported

1

Loan #

6009548602

Loan Size

Small

Kenlis Carrero

Independent Contractors

$3,492 Paid in Full
Address:
3660 NE 166th St Apt 302
North Miami Beach, FL33160-3819
Approved

Apr 17, 2021

Forgiven

$3,509

Jobs Reported

1

Loan #

5036748800

Loan Size

Small

Sherwin Pereira

Sole Proprietorship

$13,419 Paid in Full
Address:
3660 NE 166th St Apt 202
North Miami Beach, FL33160-3858
Approved

Apr 19, 2021

Forgiven

$13,533

Jobs Reported

1

Loan #

6276058809

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 12 PPP loan records are linked to businesses associated with Deborah Lumsden. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Find Deborah Lumsden on the map

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Found 38 results across 12 states

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Deborah Lumsden in Ft Lauderdale, FL: Background Summary

Location
901 NE 3rd St Apt 104, Ft Lauderdale Fl, Ft Lauderdale, FL
Other Locations
Biggs, CA · Richmond, VA · Irwin, PA and 10 more
Profiles Found
22 people with this name
Phone Numbers
(631) 665-8057 and 13 others on file
Email
debznips@aol.com and 5 others on file
Possible Relatives
Deborah M Lumsden, Meghan E Lumsden, William John Lumsden, Debbie Lumsden, Chris Lumsden and 143 more
Career
Roger Lugg & Co
Voter Registration
Registered Republican
Properties
1property owned
Vehicles
4 linked — 2006 Honda Element, 2010 Honda Element and 2 more
PPP Loans
$163K for Jose Bernardi, Josue Vasquez

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Deborah Lumsden. Because public records are indexed by name rather than by a unique identifier, the 63 results displayed here may include information belonging to multiple individuals who share the same name — a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value — in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available — some restrict access or redact certain fields such as date of birth or residential address — so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency — these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Deborah Lumsden

Search Complexity: High

63 public records across 12states, belonging to approximately 22 different individuals. With 22 distinct profiles across 12 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: Florida (17%), followed by Washington and Pennsylvania. Spans the South and West regions.

FL11recordsWA5recordsPA4recordsCA3recordsVA3recordsNY2records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (50%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes PPP Loan Records (12) and Voter Registration Records (6).

27
Contact & Address Records
12
PPP Loan Records
6
Voter Registration Records
4
Vehicle Registration Records
3
Business & Corporate Filings
2
Property Ownership Records

Age Distribution

Age range: approximately 17 years. Largest group: Senior (65+) (80%).

Senior (65+)8peopleMiddle-Age (40-64)2people

Use the age information shown on individual record cards to help identify the correct person.

Frequently Asked Questions About Deborah Lumsden

Is Deborah Lumsden a registered voter?
Yes, voter registration records show Deborah Lumsden is registered in Pennsylvania with R affiliation. We found 6 voter registration entries across 4 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Deborah Lumsden own property?
County assessor records show 2 properties associated with Deborah Lumsden . Assessed values are determined by county tax assessors and may differ from market value. These records are sourced from county recorder and assessor offices.
What vehicles are registered to Deborah Lumsden?
Records show 4 vehicle registrations associated with Deborah Lumsden, including a 2006 Honda Element. Registered makes include Honda, Nissan, Kia. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Deborah Lumsden?
We found 3 business affiliations for Deborah Lumsden, including roger lugg & co. Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Deborah Lumsden?
Our database contains 63 total records for Deborah Lumsden spanning 12 states. This includes 22 distinct contact records, 10 with phone numbers, 4 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Deborah Lumsden?
The 63 records displayed for Deborah Lumsden are aggregated from government agencies, county offices, and official registries. While we source from authoritative databases, records can contain outdated information or belong to a different person with the same name. We recommend verifying important details through the original issuing agency before making decisions based on this data.
Can Deborah Lumsden remove this information?
Yes, any individual has the right to request removal of their personal information. Submit a free removal request through our opt-out page. Under the CCPA and similar state privacy laws, you can request deletion of your data. Removal is completed within 48 hours. You do not need to create an account.
Can I use this data for background checks or screening?
No. OpenDataUSA is not a Consumer Reporting Agency under the FCRA. These records may not be used for employment screening, tenant evaluation, credit decisions, insurance underwriting, or any other FCRA-regulated purpose. For official background checks, use an FCRA-compliant service.